That's exactly what it is. It's coverage by the insurance company for damages that aren't deemed your fault . It's usually for vandalism, theft (usually under home instead of auto though), etc., where they can't go after the party at fault.

Nope, my premium didn't move. This is the 3rd time that I've had to do it over the last decade or so. First time was when someone tried to jack my car and left the whole steering column in shambles, second was when someone took out my sideview mirror in a parking lot, and now this incidence.

Nope, my premium didn't move. This is the 3rd time that I've had to do it over the last decade or so. First time was when someone tried to jack my car and left the whole steering column in shambles, second was when someone took out my sideview mirror in a parking lot, and now this incidence.